When it
comes for time for cashing a check, Donald Grey Barnhouse
illustrates: most banks will not cash a check unless you have an
account with them. The bank needs to know you in case the check is
no good, with no money behind it. They always need collateral, there
must be security to support the dollar amount on the check.

So in
prayer there must be collateral in the bank of heaven. There must be
a true deposit of saving faith. You can draw on the deposit of faith
if you are asking in the Holy Spirit, according to God’s will.
If you are asking according to your desires, outside of the framework
of God’s will, you can be sure God will no answer your prayer.